Payday loans of up to € 50,000

Getting extra money is very simple, as long as you have a regular, demonstrable and sufficient source of income. Also, the pension counts as a valid alternative to the payroll to apply for loans. Here you can find the different products that accept this document as proof and start processing loans for pensioners:

Does age influence when asking for loans for pensioners?

Logically, both banks and private lenders take into account several factors to assess whether an applicant is eligible to access a loan, being the ability to pay one of the most important. Consequently, among the checks that are made also includes the age of the prospective customer, because being very young or very old can increase the risk of delinquency of the operation. So, if we are already retired, we can hire the following loans for pensioners depending on the age we have:

  • Early retirees can take out payment or life protection insurance attached to the loan contract. In this way, the lender will be sure that we will repay in borrowed money and interest if we can not do it on our own for any reason. Life insurance will cover the insured up to 65 years, usually; the protection of payments, up to 70.
  • Retirees under the age of 75 may apply for loans for pensioners by taking out insurance in addition to contracting the loan. In addition, many companies require that our age when the loan repayment is completed is less than 75 years, although this varies between entities and depending on the product we request.
  • For retirees over 75 years of age, it is very likely that they will be asked to give the name of a third person as collateral, who will be responsible for paying the fees if we can do it for any reason. The risk policies of most lenders require that a guarantee is presented when a certain age is exceeded.

In most cases, the lenders establish what maximum age cannot be exceeded to access their loans for pensioners, either at the time of signing, at the expiration of the product or in both situations. This is especially important when you ask for long-term loans because our advanced age will prevent us from contracting products with extended repayment periods and will force us to return the money in less time.

Documentation to request a loan for pensioners

The main requirement that entities that offer loans for pensioners demand is to have enough income to be able to return the money and interest in the selected term. Therefore, if our age is very advanced, we may not be able to access credit, as the entity will not want to assume the risk of not recovering the loan. In general, the maximum age allowed is usually up to 75 years at the end of the term, although it may be different depending on our repayment capacity and the lender we decide to attend.

In some cases, in addition, the lender will require us to take out life insurance that covers the repayment of the loan in the event that we die. The reason why this insurance is requested is that retirees are very old, so some entities only grant loans for pensioners if they are given this extra guarantee that they will recover the money.

In any case, to demonstrate that we comply with the required conditions, we will have to present the following documentation:

  • One or several incomes from the last pensions we have received to certify their characteristics of amount and regularity.
  • Accreditation document for pensioner or retiree and the DNI or NIE.
  • Bank statement with the latest monthly movements.

Providing this documentation, we will not have any problem in accessing the payday loans for we need- try this site www.Green-Touch.Org. The documents that the lenders need will serve to certify that we receive a pension and that we are sufficiently solvent to repay the loans without the need of over-indebtedness. In addition, they will contrast the information of our documents with the one we put on the form, so we must ensure that it is correctly translated, updated and that the photocopies are perfectly legible.

Different types of loans for different needs

Within the market, there is a wide variety of products with which we can obtain financing if we are retired. In addition to the loans for pensioners that commercializes the most traditional bank, there are also alternative credits that can come in handy, such as fast loans from certain private equity companies or even so-called reverse mortgages. Let’s see what are the main characteristics of all these products:

  • Minicréditos of up to 1,200 euros: these products allow us to obtain small sums of money in less than 15 minutes, without the need to do paperwork and without having an endorsement. Their repayment period is usually up to 30 days and they are returned in a single payment, which includes the borrowed money plus the lender’s fees (interest). These credits have no commissions or linked products of any kind. Also, to achieve them it is not necessary to justify the purpose for which we will use the money, so we can ask for what we want.
  • Personal loans: these loans provide us with a greater amount of cash with which we can make some of the private projects that we have always had. There are products with a specific purpose, such as reform loans to make our home the place we always dream of, or car loans to acquire the vehicle we want and pay it in more comfortable installments. These credits offer up to 60,000 euros to return in terms of up to 10 years and with a cost that is around 8% APR, although we will have to take into account our age when the contract ends to know if we are able to request them.
  • Reverse mortgage: if we are over 65 years of age, we can obtain a supplement to our retirement income using our house as a guarantee of reimbursement. This product allows us to convert the value of our property into a monthly or total remuneration from which the bank will make us beneficiaries.

Depending on our financial profile and the use we want to give to our loan for pensioners, we will have to opt for one product or another. For example, if an unforeseen event arises and we have to solve it quickly, it is possible that we should request a mini credit. On the other hand, if what we want is a supplement for the pension, the reverse mortgage can be an adequate product.

Can a pensioner in ASNEF ask for a loan?

Yes, but only to private lenders or financial intermediaries. Banking entities never accept the requests of those who have incidents registered in files of defaulters, because they do not want to assume the risk of lending money to these clients. On the other hand, there are certain private equity companies that are willing to take this risk, although they only grant loans for retirees in ASNEF if minimum solvency requirements are met.

In addition, companies that grant this type of loan with ASNEF will set a limit that our debt cannot exceed. This is usually around 200 euros, although some entities allow you to owe amounts between 500 and 2,000 euros. Likewise, the origin of our non-payment cannot be financial, that is, it can not come from the loan or mortgage payment nor from the repayment of credit card terms.

If our data appear on a delinquency list as ASNEF, the possibilities we will have to obtain financing are considerably reduced. Even so, there are options such as home equity loans, with which we can obtain large amounts of cash. These credits will require that we deposit a home of which we are owners as collateral. Due to this deposit, it will not be necessary to justify our income nor will our situation in ASNEF be reviewed.

Gamarra affirms that the Azcona library "adapts in summer to the needs of children and families"

The mayor of Logroño, Cuca Gamarra, visited this morning the small participants in the ‘Bebeteca 2017’, an activity for children from 2 to 4 years that is developing throughout this summer at the Rafael Azcona Library. Likewise, it has also advanced the complete programming designed by this municipal space for schools for the next school year, 2017-2018.

Like every summer, the Rafael Azcona Library adapts its schedules to summer holidays, since users have other needs.

“The summer programming of the Library has been adjusted to the new agenda of the children, keeping the variety in the activities and that the older ones can also have more options.” In total more than 150 children, aged between 2 and 12 years, have already spent during the summer months in this municipal area and have been able to enjoy their cultural and educational activities, “said the mayor.

The library’s programming for summer covers a broad audience, since both children and adults can find activities with a didactic nature and choose those that best fit their schedules and preferences among a large range of topics and days.

Thus, the mayor, who has shared a relaxed time with the children participating in the Bebeteca Summer, has shown his satisfaction with the evolution of the center. “It has become a cultural reference in the city and a dynamic day-to-day in the neighborhoods of San José and Madre de Dios, offering a service that goes beyond that of a library.”

Hence, the programming includes activities always related to the world of books, but very varied, “trying to get closer to the children, with proposals such as the one we are visiting today, as well as becoming an attractive space for other audiences, such as the one that comes to read the newspaper, to make a consultation or to study. “

In turn, the mayor recalled that since 2014 the Rafael Azcona Library is fully adapted for people with different capacities, with computers accessible for people with vision difficulties, for people with motor disabilities and for wheelchair users, in addition to It has bibliographic material for them.

The activity ‘Bebeteca. “Chapuzón de Cuentos” has been developed over several days throughout the summer and in total 60 children aged between 2 and 4 years have participated.

La Bebeteca is a playful space where the little ones, accompanied by an adult, find a place where they can create links between the elderly, children and reading. It is a means to introduce the little ones into the fantasy of the story through illustrations, songs and puppets.

TALES AND CHILDREN’S WORKSHOPS SUMMER 2017

TALES AND CHILDREN

Likewise, the Rafael Azcona Library has programmed a series of activities aimed at children from 5 to 12 years old in which more than a hundred students have participated. During the month of July, workshops on human dolls, Anatomical Trivial, Holes in the nose, Scabs were developed.

During this month of August, children have still enjoyed activities and storytelling: Eat it all, EVA rubber Masterchef, Tasty dishes, The rebellion of vegetables.

BIBLIOPISCINA 2017

BIBLIOPISCINA 2017

At the same time, the Rafael Azcona Library, with the aim of expanding the city’s cultural offer and trying to promote the habit of reading during summer days, has once again started up this summer the library service, open until December 31st. August from 17 to 21 hours, from Monday to Sunday (including holidays), at the Las Norias Sports Complex.

In figures, during the first month of operation (July) 732 users have passed through this space and 895 book loans have been made.

PROGRAMMING FOR SCHOOLS 2017-2018

PROGRAMMING FOR SCHOOLS 2017-2018

With the start of the school year, the Rafael Azcona Library offers day care centers and schools a very complete cultural and educational program in such a way that the little ones will be introduced to the world of stories and the older ones will be approached in a playful way to the services offered by the library and its standards.

“The programming of the Library for the next school year aims to offer schools various activities for educational entertainment and provide them with a first approach to this municipal space, which is a way to continue encouraging children’s and youth’s reading and participation in the center. “said Gamarra.

The objective is to raise awareness among students and teachers that the library is a very useful means to learn and complement the knowledge that is given in the classrooms and, in addition, it is an ideal leisure space for all audiences.

Specifically, the City Council of Logroño will organize activities directed, upon request, to students of all the cycles of infant and primary education.

Daycare activities are centered on dramatized stories and courses to learn the letters. The goal is to promote reading from an early age; Introduce traditional stories and encourage family reading

On the other hand, the activities for the students of Infantile Education pass through workshops of formation of users, to learn to place the books in the shelves or to find books that the children need without asking for help.

And, finally, the activities for the students of Primary Education focus on learning to use the resources of the library, to know the order and placement of the books and to teach the children to look for information through different electronic supports. In addition there are programmed formative activities on curricular content: We go to the museum; The talking snake; La Rioja exposed; Each feather flock together; Forming Words

All these activities are free and registration can be done, as of September 1, in person or by phone. The groups will be approximately one classroom and 45 minutes session.

COLLECTIVE LOAN

COLLECTIVE LOAN

On the other hand, the Rafael Azcona Library offers the service of collective loan to associations or any institution that requests it. They allow books and multimedia material to be removed from the library with special conditions.

An example is the schools that have the option of taking a batch of books and multimedia to strengthen knowledge on the subject they are giving at that time in class.

Also, nurseries and other institutions have the possibility to also take lots of books and add value to the services offered.

Anyone who wants to take advantage of these resources will need the institutional card of the Network of Libraries of La Rioja that would be managed for free.

SINCE 2012

The Library was inaugurated on October 24, 2012, coinciding with the birth day of the Rioja screenwriter Rafael Azcona and the International Library Day. The center “emerged with the aim of promoting reading from an early age and as a family, and to make traditional stories known, although over the years it has been reinforced with other activities, such as exhibitions and workshops,” said the mayor. .

This municipal library is located in the old Gonzalo de Berceo school, on Santos Ascarza street. It is an emblematic building in the city, the work of the prominent architect Fermín Álamo, inaugurated in 1927. To house this municipal center was rehabilitated and completed the set with two new buildings connected to each other, thus having a total of 4,400 meters squares.